Public consultation White paper non-NFC based Mobile SEPA Card Proximity Payments

In recent years, non-NFC (Near Field Communication) proximity technologies (e.g. QR-codes, Bluetooth-Low-Energy (BLE)) have been introduced in the market for various mobile payment services to enhance the consumer experience and to bring additional functionality and services to the customer (e.g. integration of payment with loyalty) and to overcome the lack of accessibility to the NFC antenna on some mobile operating systems.

The multi-stakeholder group on mobile contactless card payments, facilitated by the , has developed a white paper to create awareness on these mobile card payment solutions. The document aims to provide a high level overview of non-NFC based mobile card proximity payments (MCPPs), utilising card payments (as specified in the Cards Standardisation Volume) as the underlying payment instrument. In view of the current market deployments, the document has been restricted to proximity payments based on QR-codes and Bluetooth Low Energy (BLE) technologies.

In addition to MCPP use cases, the document provides some insights into transaction characteristics and impacts on the Points of Interaction (POIs).

The multi-stakeholder group further mentions in the document some opportunities but also a number of gaps and challenges that are existing today and, if properly addressed, could encourage the market take-up of MCPPs.

In order to help develop a successful mobile card proximity payment ecosystem that provides value for all, it is very important to gather industry opinion and feedback regarding this white paper. The multi-stakeholder group values your opinion and welcomes any feedback and comments that you can provide regarding the document using the questionnaire provided below by 14 February 2019 to the following e-mail address: mp.consultation@epc-cep.eu

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